If anyone has any recommendations for me on what products I should look at and where I should buy for bulk prices let me know. 

What are you hoping to accomplish with either product?

Depending on the lender and the product if it is non-comforming you may not need to wait that time and you may not receive a LE or CD, but still most lenders will have it as a standard practice to be safe.

Right now I am dealing with a DSCR lender that switched my client's product to a Bridge loan and gave him a very hard time when he asked for a copy of the appraisal.

Chances are they are not coming off the price, because your home inspector didn't agree or like it.That's the standard with production builders. 

Your deed of trust needs to be made by the trustee, or you didn't properly perfect the security interest, I'd bet on any attorney getting that right unless they were really new.Back to the other issue, any lender advertising a loan product and never closes that product can get nailed.

Could be a good product, could be a bad product.

I read city code in my spare time and do a ton of product research.

Go to a construction site (production home builders--- Toll Brothers, Orleans, KHov) and find the carpet installer.

I also when things were hot before interest rate spikes I just followed what Lennar was doing. they had a flat fee of 5k.. which for thier product was basically 1% buyer agent fee.. my product was / is 700k plus so  I was just posting 9750.. flat fee and had no problem with agents bringing in buyers .